changes before, but some of it is definitely the affordable care act and it's changed the psychology of healthcare that we really have to get serious about controlling costs and doing better for people by controlling costs. one of the places we'll see a big, big difference is attention to people with chronic illness. knows are the people who use the health care system. and the best places now are really focusing on them, predicting who they are, giving them a lot of services. i refer to it as v.i.p. care for people with chronic and mental illness. that will be the wave of the future. >> gene? >> zeke, last time you and i talked about the affordable care act, you said president obama should have appointed a ceo to roll out the program and make sure that it functioned the way it should. >> right, right. >> is that still a valid criticism, still your criticism? how do you think things are going now? >> it's not a criticism. in 2010 when we passed a legislation and i was still in the white house, it was a suggestion. look, the website and the exchanges are really an e-commerce business a